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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,169 | $59,467-74.5% | $93,727-83.8% | $74,478-79.6% |
| Participation rate | 20.9% | 59.6%-38.7pp | 68.7%-47.8pp | 67.2%-46.3pp |
| Annual return | 14.89% | 82.14%-67.2pp | 133.83%-118.9pp | 1370.56%-1355.7pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,421-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,520 | $3,052-50.2% | $4,417-65.6% | $4,350-65.1% |
| Admin fee / account holder | $931 | $3,028-69.2% | $8,292-88.8% | $1,946-52.1% |